Studies On The Influence Factors And The Construction Of Famers Loan Guarantee

The communist party of China18th report stressed that strive to promote the farmers’income, keep the farmers’ income sustained and rapid growth. But rural finance is animportant guarantee to rural economic development and farmers’ income increase. Ii is ofgreat significance to solve the problem of "agriculture, rural areas and farmers", and it sameimportant to promote the integration of urban and rural development. Microfinance guaranteeis an effective mechanism to reduce the loan risks and accelerate the rural capital circulation.In reality, the lack of effective collateral and corresponding guarantee mechanism seriouslyrestricts the increase of farmers’ income and the development of rural economic. Farmers’professional cooperatives not only increase the degree of farmers organization, optimize thestructure of agricultural, strengthen the market competition of farmers, also has the financialpotential to guaranteed for the farmers microcredit. In this paper, starting from the theory ofloan guarantees, according to the surveyed data, Empirical analysis the main factors whichaffecting the peasant guaranteed loans, together with the present situation of the developmentof farmers’ professional co-operatives and it’s organizational advantages, make the study ofthe feasibility of farmers’ professional co-operatives involved in microfinance loan guarantees,Combined with the actual construct a new loan guarantee mechanism, and proposes thecorresponding risk control measures. In the all, put forward the countermeasures to promotethe healthy development of farmers’ professional cooperatives loan guarantees.This paper mainly divided into six parts: the first part is introduction, mainly introducesthe paper research background, research purposes, the domestic and foreign theory of loanguarantees and cooperation financial research, the experience of alleviate peasant loansproblem, and the structure of the paper.The second part mainly introduces the relevantconcept of farmers’ small guarantee loan features and theoretical basis.The third partintroduces the present status of the peasant guarantees loans and analyses the currentproblems which existing in the development of it. The fourth part, according to field surveydata, make an empirical analysis of the main factors which influence the peasant loanguarantees.The fifth part according to the legal status, economic basis and organizationaladvantages of the farmers’ professional cooperatives, to make the study of the feasibility offarmers’ professional co-operatives to participate in the farmers guaranteed loans, according tothe rural financial environment, constructed the new secured loan mechanisms of farmers’ professional co-operatives guaranteed loans, and put forward the risk control measures fromperfect the laws and regulations, improve the social service organization, to set up the riskcompensation mechanism and increase financial aid concrete. The sixth part mainlyintroduces the countermeasures and suggestions to promote the farmers’ professionalcooperatives loan guarantees healthy development.The research achievements of this paper includes: first, through field visits andinvestigation data, uses multiple classification ordered LOGIT model to analyze the factorswhich influence farmers guaranteed loans, it is concluded that the culture degree of the headof the household, the number of the farm workers, the annual family income of farmers, andwhether they participate in farmers’ professional cooperatives are the main factors influencingthe peasant household loan guarantees; Second, according to the situation of the ruralfinancial environment, combining with the organizational advantage of farmers’ professionalcooperatives in rural, construct the new mechanisms of farmers’ professional cooperativesloan guarantees; Third, from the financial surport of the government, guiding and encouragingthe rural financial institutions bold innovation, establishing the rural social intermediaryservice organization, promoting agricultural insurance, establish and improve the rural creditsystem etc, to make the support on this innovative guarantee mechanism of farmers’professional co-operatives guaranteed loans.